Banks may start applying blockchain technology tocredit scores in 2016. Such an assumption was expressed by 4th largest search engine worldwide and the most popular website in Russia, Yandex, CTO Grigory Bakunov during his lecture about the main trends of 2016. If applied, the blockchain will make scoring much easier and faster. The growing possibilities of artificial intelligence allow the building of wide networks able to gather authentic information about any user based on his/her accounts in social networks and other sources. Furthermore, they are able to process huge volumes of information, making the process of credit scoring much faster. The only problem is that they often used algorithms that are unexplainable in any human language. Grigory Bakunov states: “Artificial intellect often divides people into clusters using algorithms which are…